WA Medical Debt

Washington Medical Debt Laws

Everything you need to know about medical debt in Washington: SOL is 6 years, garnishment capped at 25% of disposable earnings, and 2 state-specific protections apply.

6 years

SOL (open/revolving accounts)

$2,459

Avg medical debt

25% of disposable earnings

Garnishment cap

How to Dispute Medical Debt in Washington

Request itemized bill with CPT codes

Check for No Surprises Act violations

Apply for hospital financial assistance

Dispute errors line by line

Negotiate — hospitals accept 40-60% routinely

Washington State Law

Washington Collection Agency Act

File complaints: AG Consumer Protection

Relevant Federal Laws

FDCPA (15 USC 1692)
FCRA (15 USC 1681)
FTC Act 5
CFPB Reg F

Washington Consumer Protections

Strong CPA — treble damages + attorney fees

Collectors must be licensed

Medical Debt Tips for Washington Residents

ALWAYS get an itemized bill before paying

Nonprofit hospitals must offer financial assistance

Medical debt has 365-day credit reporting grace period

Dispute Medical Debt in Washington

DebtShield generates AI dispute letters that cite Washington law (Washington Collection Agency Act) and federal FDCPA protections.

Generate Washington Medical Debt Dispute Letter